Marshmallow Essential is a mid-tier, comprehensive insurance plan that offers strong protection for drivers and their vehicles—striking a balance between affordability and cover. It includes repair and liability cover, as well as access to a courtesy car when using approved repairers.
What’s included in Marshmallow Essential?
Feature | Marshmallow Essential includes |
Vehicle damage | Covers accidental damage, vandalism, fire, theft, and attempted theft. |
Courtesy car | Available when using Marshmallow’s approved repair network. |
Personal accident cover | Up to £5,000 for the policyholder and their spouse. |
Third-party liability | Unlimited cover for injury and up to £5 million for property damage. |
European travel | Minimum legal liability cover for up to 90 days in EU and listed countries. |
What is not included?
The following are not included in Marshmallow Essential unless you purchase specific add-ons:
Glass damage (e.g. windscreen repairs/replacement)
Personal belongings inside the vehicle
Medical expenses
Aftermarket audio & communication equipment
Driving other cars (unless shown in your Certificate of Motor Insurance)
Comprehensive cover in Europe
Add-ons can be selected at checkout when purchasing a policy.
Are there any exclusions?
Yes. Cover does not apply if:
The car was left unlocked or the keys were inside at the time of theft
You or another driver was under the influence of alcohol or drugs
You used the wrong type of fuel (mis-fuelling)
The vehicle was being used without a valid MOT or was SORN
The vehicle was used for racing, hire & reward, or motor trade purposes
Can I use Marshmallow Essential in Europe?
Yes, you are covered to drive in countries within the EU and other countries following Directive 2009/103/EC. However:
The standard cover is third-party only
You can upgrade to full comprehensive cover by speaking with our customer support team
Driving abroad is limited to 90 days per policy year for Essential customers
Can I make changes or cancel my policy?
Policy changes: Mid-term updates may include a £25 admin fee (for Marshmallow Essential).
Cancellations: You’ll be charged a £30 fee if you cancel within 14 days. Additional cancellation fees may apply after this period—check your Policy Wording for details.